That was my thinking exactly. I can easily afford the payments and now my exposure to physical is larger than ever now. Of course, I have borrowed money from my credit union many times and always paid them back ASAP so they really dont ask me what the loan is for they just know Im good for the money. Anyway, some of you might not get a loan as easily as me because Ive been doing business with the same credit union for over 20 years and my FICO score is through the roof.